Services

RLA Financial led by Robert L. Arroyo offers the kind of services anyone who is seeking professional wealth management advice should consider. RLA Financial’s goal is earning a reputation for its ability to provide the right strategies, management and construction for successful private wealth management planning. RLA Financial CEO Robert L. Arroyo and his firm’s services include:

Asset Allocation Strategies

Providing the right mix of investments is very important. Diversification reduces overall risk. Periodic re-balancing takes place once the appropriate mix of investments is determined. The re-balancing process brings the asset allocation model back to the proper percentage of each investment. Note: There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification and rebalancing does not ensure against market risk.

Portfolio Management

Once a portfolio is constructed, it then needs to be actively managed. Portfolios are regularly reviewed at RLA Financial to ensure the individual investments are still appropriate. Investments that are no longer deemed appropriate for the portfolio are dropped and replaced by ones more suitable. This is an ongoing function of portfolio management. Robert L. Arroyo manages some of the portfolios offered at RLA Financial. Third party managers may manage some other portfolios offered by RLA Financial.

Portfolio Construction

RLA Financial offers numerous portfolios. Each portfolio is based on the individual investors risk tolerance. The portfolios range in risk tolerance from conservative to aggressive. These have been carefully constructed and refined over time. In order to construct a portfolio, the portfolio architect chooses the most suitable investment vehicles based on risk tolerance. Each portfolio has a mix of investments with the goal of performing similarly with the risk/return ratio of each investment taken into account. Robert L. Arroyo constructs some the portfolios at RLA Financial. Third party managers are used for other portfolio offerings.

401K Plan

401K Plans are qualified plans for business. These are business retirement plans. RLA Financial works with many providers in order to select the appropriate plan for your business. There are different types of plans available and different investment vehicles available. RLA Financial also has relationships with Third Party Administrators, which provide the necessary administrative role for 401K plans.

403B Plans

403B Plans are qualified plans for non-profit organizations. These are retirement plans for these types of organizations. RLA Financial works with many providers in order to select the appropriate plan for your business. There are different types of plans available and different investment vehicles available. RLA Financial also has relationships with Third Party Administrators, which provide the necessary administrative role for 403B plans.

Key Man Insurance

A company to protect itself in case of a loss of a key employee purchases Key Man Insurance. Should this happen, the policy will provide compensation to the company so it can continue relatively normal operations until a replacement for that key employee is found.

Buy Sell Agreements

Buy Sell Agreements are used when there is more than one owner involved in a business. The owners take out insurance policies on each other. There is a very important reason for this type of insurance. The proceeds from an insurance claim enable one owner to “buy out” the other owners share from his/her family should he/she pass away.

Succession Planning

Succession Planning is an intricate affair. There are many moving parts that must work in concert in order for a smooth transition of a business from one generation to the next. RLA Financial has experience with succession planning. Talk to us.

Personal Life Insurance and Long-Term Care

RLA Financial works with many providers in order to select the appropriate life insurance and/or long-term care protection for you. This is a core part of our business. Knowing that everything will be O.K. down the road helps give you and your loved ones confidence.

Insurance services provided by Crump and RLA Financial

Personal Health, Dental and Vision Insurance

RLA Financial works with many providers in order to select the appropriate plan for you. There are many plans to choose from. Let us provide you a quote!

Disability Insurance

What would happen if you were hurt in an accident and could not work? Disability insurance would then become very valuable to you. RLA Financial works with many providers in order to select the appropriate plan for you. Let us provide you a quote!

Specialty Insurance such as AFLAC Indemnity Policies

What would happen if you were hurt in an accident and could not work? Maybe a long hospital stay is required and you have a high deductible on your health insurance. What if the doctor finds a spot on your face that he/she thinks may be cancerous? AFLAC indemnity policies would then become very valuable to you. RLA Financial offers all AFLAC policies, which include:

Accident

Short-term disability

Cancer/Specified Disease

Hospital Confinement Indemnity

Specified Health Event

Hospital Intensive Care

Dental

Life

Hospital confinement Sickness Indemnity

Vision

Group Health, Dental and Vision Insurance

RLA Financial works with many providers in order to select the appropriate plan for you. There are many plans to choose from. Let us provide you a quote!

Identity Theft and Legal Services provided by LegalShield

Home and Auto Insurance

RLA Financial is able to offer Home and Auto Insurance through one of its preferred partners. Let us know how we can help you!

The bottom line: When it comes to finding a wealth management consultant with the services you need, this is often not an easy task. There are all sorts of business listings, under such categories as professional sports wealth specialist, professional entertainer financial advisor or a private wealth management planner. But all you really need to remember are two words: RLA Financial.

Experience makes RLA Financial a trusted source.

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